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AYA Health Insurance

As your health is your most valuable asset, we offer comprehensive health insurance solutions. Start your journey toward better health with AYA Health insurance plans which are crafted to suit your lifestyle and needs.

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Medical and Hospital

Ambulance Services
Hospitalization Cost – Inpatient/ daycare admission to hospitals, Accommodation, Medical treatment & services Intensive care, Daycare services
Chronic Conditions – First onset and Ongoing management
Maternity Care – Pre-natal examinations, Costs of normal childbirth/ C-section, Post-natal examinations (Waiting period applies)
Thailand Zone – Hospitalization costs in Thailand zone only and Transportation costs for treatment not available in Myanmar

Outpatient

Physician Fees and Specialist Fees
Prescription drugs/ dressings
Diagnosis tests – Medical scanning, Imagery services
Optical Care – One annual vision test, One pair of prescription lenses and frame, Glaucoma test for participants over 45 years
Vaccinations – Seasonal Flu Vaccinations (Additional cover available in Cafeteria Plan)

Dental Care

Dental Treatment
Dental Surgery recommended by dental practitioner

Personal Accident

Accidental Death
Loss of Sight/ Limb
Permanent Total Disablement

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Choose from the following types of AYA Health Standard Plans to suit your needs!

AYA Health Plus
AYA Health Pro
AYA Health Prestige
AYA Health Prime

We also provide corporate customers with versatile health insurance solutions as Cafeteria Plan, meticulously customized to align perfectly with your unique needs.

Table of Benefits (in MMK)	AYA HEALTH
Table of Benefits (in MMK)	PLUS	PRO	PRESTIGE	PRIME
Maximum Benefit PRIME Plan only : Additional Limit of up to 44,000,000 MMK, applies to Thailand Zone	11,000,000	11,000,000	11,000,000	11,000,000
Medical and Hospital Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Ambulance Services	165,000	165,000	165,000	165,000
Hospitalization Costs Accommodation in a standard single-bedded room and meals: Medical Treatment and services ordered by a Physician, including: Surgeon's and Anesthetist's charges Physician, Consultant and Nursing charges Diagnostic Procedures (including CT, MRI and PET scans) Surgical Appliances and Prostheses Medicines, Drugs and Dressings Intensive Care Day-Care	Full Refund	Full Refund	Full Refund	Full Refund
Post-Hospitalization Treatment	Nil	Nil	Nil	Nil
Chronic Conditions
First Onset	11,000,000	11,000,000	11,000,000	11,000,000
Ongoing Management	5,500,000	5,500,000	5,500,000	5,500,000
Maternity Cover (10 Months Waiting Period) Pre-Natal Examinations by a Physician All costs of Normal Childbirth or C-Section (elective or non-elective) Post-Natal Examinations by a Physician	Nil	Nil	Nil	1,100,000
Thailand Zone
Hospitalization Costs	Nil	Nil	Nil	44,000,000
Transportation Costs				2,200,000
Transportation Costs for Treatment not available in the Geographic Area				5,500,000
Additional Deductible for Treatment outside the Geographic Area				55,000
Outpatient Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Physicians fees, Prescription Drugs and Dressings Specialist and Consultant Fees Diagnostic tests, medical scanning and imagery services	220,000	440,000	660,000	660,000
Optical Care One annual Vision test Glasses Glaucoma Test for Participants over 45 years	Nil	Nil	Nil	220,000
Dental Care Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Dental Treatment Dental Surgery	Nil	Nil	Nil	220,000
Personal Accident Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Accidental Death Loss of Sight or Loss of Limb Permanent Total Disablement	11,000,000	11,000,000	11,000,000	11,000,000

Health Bonus

Up to 10% of renewal premium from the first renewal year onward if no claim is made in the previous year

Renewal Period	First Year	Second Year Onward
Health Bonus %	10%	5%

Cashless Claim

Provides convenience and peace of mind for patients and their families without the worry for cash or hassle of carrying cash.

24 Hours Service

Providing 24/ 7 seamless after sales service to ensure customer experience is prioritized

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Any individuals, or Corporate Employees, between 15 days to 70 years of age.
A parent or guardian is required if to be insured is between 15 days to 18 years of age.

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Policy Term

Maximum one year policy term (renewable on a yearly basis)

Policy Limit

Limit ranging from MMK 11,000,000 to MMK 176,000,000
*based on Plan details

Premium Rating

Vary depend on age, the plan chosen, etc.

Premium Frequency

Annual Payment
*Installment payment (Quarterly, biannually) is also accepted for corporate customers.

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What documents are needed to insure?

Completed Proposal form
Medical Checkup Record
Copy of NRC (for individual)
Copy of Company Registration & Dominant Shareholder Information (For Company)

Do I need to go for any medical examination?

Yes, your application will be assessed based on the health declaration made by you.

Who is responsible to pay the ineligible expenses upon discharge?

The policyholder has to pay.

What is Waiting Period for Maternity Cover?

We will only pay up to the Policy Limits for maternity care when the Participant's expected delivery date is at least 10 months after the initial Date of Entry to this Policy

What is Health Bonus?

Premium discount up to 10% of renewal premium for the first renewal year and 5% of renewal premium from second renewal year onward will be granted as Health Bonus if no claim is made by each participant in the previous policy year and in accordance with our internal risk assessment guidelines